For someone who deals with all different types of personal lines coverage on a daily basis, I'll be the first to admit that flood coverage can be tricky. Navigating through the ever-evolving laws and regulations associated with flood insurance has left many independent agents unsure of the options they can present to their insureds. When it comes down to it, most agents get hung-up with Non-Participating communities. Luckily, there's a solution that can help with all of your flood needs, whether in a Participating or Non-Participating Community.
Tenant Discrimination… an exposure that is rarely thought of, but is one that does exist and could have a negative impact on your client if not properly covered. Unfortunately, in this litigious society some exposures are more prevalent than in years past, with tenant discrimination being one of them. It only takes one decision, deliberate or not, to open up the door for many long hours taken up by court proceedings and definite financial hardship. Those that own apartments or other residential rental properties, and even those that own commercial and retail space are among the majority that are exposed to these risks.
With the possibility of a tenant discrimination claim, what does it mean for you, as a retail agent?
It means that there is ample opportunity to be found.
Professional / E&O,
It's no secret that in our technology-driven society, email is a primary means of communication. Often times it's also someone's first impression of you - are you sending the right message? Those that click "send" without thinking aren't just running the risk of a typo, using the wrong tone, or simply not communicating effectively, they're also risking their reputation, and even their intelligence level based on how their email is interpreted by the recipient.
The Underwriters here at J.M. Wilson run in to quite a few questions from our independent agents when it comes to Garage Insurance. For starters, the term "garage coverage" itself can be a little confusing. It could be referring to either Garage Liability or Garagekeepers insurance, or depending on the circumstance, it could be referring to both. So, what's the difference between those two coverages? Do I need both types? Who does? What about Garage Liability versus Commercial Garage Liability? ...and the list goes on from there.
To help solve a few mysteries and more importantly, to provide answers to these crucial questions, we've compiled a list of our Underwriter's top Garage Insurance FAQs.
Property & Casualty,
Depending on where you are in the country, you may experience a lot of snow or icy conditions during the winter. If you're in an area affected by chilly weather and the hazards that can accompany it, it is never too late to remind ourselves and our clients that we should always take more precautions during this time of the year.
winter home tips,
insurance client tips
Our independent agents aren't named Jake, and they're not wearing khakis...and no, they aren't Flo, the upbeat, bubbly brand mascot either. They're the local agent that's trying to compete with these million-dollar marketing campaigns.
You’ve seen the commercials, heard the jingles and at one time in your life, may have even purchased insurance from the big box carriers that are in our faces every time we turn on the TV or jump online. This can make our agents' jobs TOUGH when it comes to stacking up against the competition. The value of a local independent insurance agent is something that really has to be “sold” to the consumer. With buyers becoming more sophisticated and doing more purchasing online, how do we attract, sell and retain today’s average consumer?
insurance on social media,
writing more business
If your answer is “No”, then you are drinking the right Kool-Aid!
If you answer is “Yes”, then you may be missing out on business opportunities that your Kool-Aid drinking competitors are snatching up.
Mental toughness and success go hand-in-hand. Sure, it seems like a simple concept, but are you practicing your ability to withstand the challenges life throws at you - mentally? Starting my career at J.M. Wilson in the mail room, and now as the President of the company, I can attest that mental strength is imperative if you want to be successful in this world.
Management / Leadership,
It's official - as of December 31, 2014 the Terrorism Risk Insurance Act (TRIA) is expired. So, what does this mean for insurance agents, their clients, and the insurance industry as a whole?
It's hard to believe that this year is coming to an end and before we know it, 2015 will be here. As we look back on the past year, we'd like to share our top-viewed blog articles of 2014. Check out these posts to see which ones made the cut to be one of JMW's "Top Ten Most Popular Blog Posts".